Actually if Scotland were an independent nation now she’d be utterly bankrupt, the myth of the canny Scot is just that, a myth.
The UK’s economy has been wrecked by the actions of two Scottish banks, Royal Bank of Scotland and the Bank of Scotland both of whom have been bailed out by the UK central government to the tune of tens of billions of pounds. No surprise that this bailout by the Prime Minister, a Scot, and his Chancellor, another Scot has been met with dismay by the vast majority of English taxpayers who actually keep the UK afloat.
If Scotland had been independent it would be in a worse state than Iceland, a nation which, like the other basket case, Ireland the Scottish Nationalists wished to emulate.
Expect to hear very little about Scottish independence for the next couple of decades or so.
Where did the model break down? Who approved all of these crazy loans and investments ("assets") in bogus CDOs? Where were the regulators and bank examiners? This is the biggest global bank meltdown in history. How could they all think alike?